ZIP Code 95010

ZIP code 95010 is classified by USPS as a standard delivery area and covers roughly 3.6 square miles in Capitola, Santa Cruz County, California. The area is home to 9,137 residents, producing a population density of 2,571 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 95010 against California and the nation.

On the economic side, the median household income for ZIP 95010 sits at $105,236 (4% above the California average), while per-capita income is $71,616. The poverty rate stands at 11.9% and the unemployment rate at 1.7%. On housing, the median home value is $828,700 (7% above the state average) with median rent at $2,503 per month, and 48.9% of occupied units are owner-occupied, a direct signal of whether 95010 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 48.3% of adults hold a bachelor's degree or higher, the median age is 49.7, and the average commute is 23 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Santa Cruz County, so you can benchmark 95010 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →